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Cabot/bpo - old Natwest Credit Card Debt


allets
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Apologies if I have posted in the wrong section.

Should have posted these earlier, but I have been laid up in bed with a bad back.

Anyway here all the documents received from NatWest regarding my CCA.

 

 

HP101E.jpg

Note what is said at the top. “Received into this office on the 24th March 2009”.

Someone actually signed for it on the 21st March.

Is it my problem that it took 4 days from signing for, to reach the relevant destination of their establishment?

 

HP102E.jpg

 

HP103E.jpg

 

HP104E.jpg

 

HP105E.jpg

 

HP106E.jpg

 

HP109E.jpg

 

Regarding the last scan. When has a terms and conditions leaflet from 09/08 (arrowed) had any bearing on my original CCA?

 

I take it from these scans; the above does not represent my original CCA with NatWest.

What would be my next stage in dealings with NatWest? They also escaped with the skin of their teeth in providing these documents within the statutory 14 + 2 days, as I received them on Saturday 4th April.

 

I received one from Lloyds Tsb and Capital one, but will have to post them tomorrow night as photo bucket is not operating right at the moment.

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As Advised by a fellow GAGGER I have moved this into the NatWest area.

Here are all the documents received from NatWest regarding my CCA.

 

 

 

Note what is said at the top. “Received into this office on the 24th March 2009”.

Someone actually signed for it on the 20th March.

Is it my problem that it took 4 days from signing for, to reach the relevant destination

 

I take it from these scans; the above does not represent my original CCA with NatWest.

 

What would be my next stage in dealings with NatWest?

 

They also provided me with the documents on 4th April which was 1 day over the 12 + 2 day requirement.

Am I being a bit picky with this point?

 

I take it, I can send the "account in dispute" letter?

 

Also whilst the account is in dispute, I could or should not send any payments to the account.

 

Regards,

Allets.

 

 

CCA Return.pdf

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Hi

 

While the account is in dispute you may cease payments if you wish and they cannot demand anything from you either however, they will swear that the account isn't in dispute as they have supplied what you asked for :confused: (but as you are aware, they haven't).

 

Send the A/C in dispute letter (don't forget to send recorded) but also have a look at this thread. You may have to try that route:

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

 

Be prepared for the long haul. They don't give in easily.

 

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however, they will swear that the account isn't in dispute as they have supplied what you asked for :confused: (but as you are aware, they haven't).

 

I had the same with MBNA, advising me that the account wasn't in dispute even though they hadn't supplied me with anything!!

 

The OFT's recent decision in respect of Mackenzie Hall is helpful in this regard as it states that:

 

A debt is considered as in dispute where....a request under section 77 or 78 of the Consumer Credit Act 1974 has not been complied with, and this prevents the agreement being enforced without the permission of the court;
The Office of Fair Trading: OFT imposes requirements on Mackenzie Hall to improve handling of disputed debts

 

If they can produce a signed document that contains all of the prescribed terms (not necessarily in the prescribed form) then this can be enforced under s127(3) though.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

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  • 13 years later...

Hello Fellow Caggers.

A brief outline of what is happening.

 

Back in 2008,

I defaulted on a few credit cards and managed to write a few of them off with the "not signed a credit agreement" .

 

However my Natwest credit card had a copy of my signed agreement, some months later Natwest sold the debt to cabot.

 

I set up a standing order and agreed to pay £20 per month. This has been paid every month since then.

 

Today I received a letter from bpo collections stating "to recover the outstanding amount of £3***.** owed to cabot".

 

They would like the outstanding amount  to be settled in full.

 

I can't settle in full, but I am ok to continue with the monthly payment of £20.00.

 

If I have a 100% track record of making the monthly payments for 13 years or more, why have they authorised another DCA to collect the full outstanding amount?

 

I can't afford to pay more than the £20 that I am already paying, I am not in arrears with cabot, what is going on?

 

Allets.

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Quote

Today I received a letter from bpo collections stating "to recover the outstanding amount of £3***.** owed to cabot".

They would like the outstanding amount  to be settled in full. I bet they would but tough

I can't settle in full, but I am ok to continue with the monthly payment of £20.00.

Then carry on paying your £20pm to Carboot.....ignore BPO.

 

Andy

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  • dx100uk changed the title to Cabot/bpo - old Natwest Credit Card Debt

old and new threads mered.

 

opps you've blindly been paying a DCA since 2008, when it was sold you should have sent a new CCA request.

send them a new CCa request today

you know what it should look like from the scans above

if it doesn't ...well i know what i would be doing!!

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk.

I didn't know about the above.

Do I request a new CCA from Cabot?

Are you  also suggesting that I stop payments to Cabot until this is sorted out?

 I have since then built up a good credit rating from the reference agencies  and would not like to turn this sour again.

It took some time to get straight.

Allets.

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Posted (edited)

Hi allets, CCA to whoever is the debt owner today, let us know their response, or lack there of, for further guidance

 

Or you could read up other like threads and the advice will be the same, so you'll know what to expect :)

 

BT

Edited by Badtimes123
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its been defaulted years ago and cannot return. once defaulted it vanishes from your file on the defaults 6th b'day never to return.

 

never blindly pay a DCA for years without sending them a CCa request.

 

we call it being a DCA cash cow.

 

dx

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Looks like I have been taken for a mug then.

 

If it is indeed defaulted, This DCA along with the others that I am paying, once CCA'ed they will suss out what I am up to and seeing as they are all statute barred, they can't come after me for any more money, and all of this wont affect my credit file?

 

I know that with cabot, I would be near to having paid what I "owed" them, other DCA's are long way off.

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Debts can't be statute barred, you been blindly paying various dca's since 2008 

 

No CCA = no pay 

 

CCA everyone they have 12+2 working days to send signed agreements or you stop paying nothing they can do, like court or anything till each produce enforceable paperwork and we check it 

 

Type in cash+cow in the search of our red banner and get wise! On all these fleecers.

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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OK, thanks for that will CCA them all and I will post up all the info I receive from them.

Allets.

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